1, purchase, build, renovate and overhaul owner-occupied housing;
2. Retired;
3, completely lose the ability to work, and terminate the labor relationship with the unit;
4, leaving the country to settle down, etc.
Repayment method of housing provident fund mortgage loan:
1. "Matching principal and interest monthly repayment method" refers to the repayment method that the total amount of loan principal and interest repaid by the borrower is unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.
2. "Monthly average capital repayment method" refers to the repayment method that the borrower repays the fixed principal and the loan interest decreases month by month.
3. One-time repayment method: withdraw the balance of the provident fund from the housing provident fund account and make one-time repayment.
4. Stop repaying the loan for several months, withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months.
5. Monthly repayment method: directly withdraw the provident fund from the provident fund account for repayment every month. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.
Commercial loan process for buying a house:
1. The developer proposes the mortgage loan cooperation intention to the loan bank;
2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers;
3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;
4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;
5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, * * * * repayment form, letter of commitment, conversation record, loan contract, IOUs, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;
6. The application approval period is generally within 7 days. For overdue loans, the marketing department should contact the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund clearly stipulates that employees who repay the principal and interest of housing loans can withdraw the storage balance in their housing provident fund accounts.